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Upturn AI SWOT - About
INTR 
Inter & Co. Inc. Class A Common Shares (INTR)
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Upturn Advisory Summary
08/14/2025: INTR (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $8.21
1 Year Target Price $8.21
| 5 | Strong Buy |
| 3 | Buy |
| 1 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 70.95% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.60B USD | Price to earnings Ratio 17.38 | 1Y Target Price 8.21 |
Price to earnings Ratio 17.38 | 1Y Target Price 8.21 | ||
Volume (30-day avg) 10 | Beta 1.13 | 52 Weeks Range 3.82 - 8.37 | Updated Date 08/15/2025 |
52 Weeks Range 3.82 - 8.37 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.47 |
Earnings Date
Report Date 2025-08-06 | When Before Market | Estimate 0.13 | Actual 0.13 |
Profitability
Profit Margin 21.08% | Operating Margin (TTM) 27.87% |
Management Effectiveness
Return on Assets (TTM) 1.58% | Return on Equity (TTM) 13.27% |
Valuation
Trailing PE 17.38 | Forward PE 14.06 | Enterprise Value 22121924608 | Price to Sales(TTM) 0.68 |
Enterprise Value 22121924608 | Price to Sales(TTM) 0.68 | ||
Enterprise Value to Revenue 3.74 | Enterprise Value to EBITDA - | Shares Outstanding 323004000 | Shares Floating 177750128 |
Shares Outstanding 323004000 | Shares Floating 177750128 | ||
Percent Insiders 25.16 | Percent Institutions 31.29 |
Upturn AI SWOT
Inter & Co. Inc. Class A Common Shares
Company Overview
History and Background
Inter & Co Inc., formerly known as Banco Inter S.A., was founded in 1994. It initially operated as a real estate credit company and evolved into a full-fledged digital bank in Brazil, offering a wide range of financial and non-financial services.
Core Business Areas
- Banking Services: Offers checking accounts, savings accounts, credit cards, loans, and investments.
- Insurance Services: Provides insurance products such as life insurance, auto insurance, and home insurance.
- Investment Services: Offers brokerage services, investment funds, and wealth management solutions.
- Marketplace: Operates an online marketplace where customers can purchase various products and services.
Leadership and Structure
The leadership team includes Jou00e3o Vitor Menin (CEO). The organizational structure is hierarchical, with various departments overseeing different business segments.
Top Products and Market Share
Key Offerings
- Checking Accounts: Offers digital checking accounts with no monthly fees, attracting a large customer base. Competitors include Nubank, Itau00fa Unibanco, and Banco Bradesco. Revenue contribution is significant to total banking revenue, but specific data is not publicly available.
- Credit Cards: Provides credit cards with cashback rewards and no annual fees. Competitors include Nubank and other major Brazilian banks. A significant source of revenue, details undisclosed.
- Marketplace: An e-commerce platform within the app allowing users to shop from partner retailers. Competitors include MercadoLibre, Amazon Brazil and Magalu. Drives user engagement and generates revenue through commissions. Specific market share data is not publicly available.
Market Dynamics
Industry Overview
The Brazilian fintech industry is experiencing rapid growth, driven by increasing internet penetration and demand for digital financial services. It is highly competitive with many new entrants and established players.
Positioning
Inter & Co. Inc. aims to be a comprehensive digital platform offering a wide range of services, differentiating itself from competitors that focus on specific niches. Its competitive advantage lies in its integrated ecosystem and no-fee services. This strategy is focused on long term growth by bringing in new users into their ecosystems.
Total Addressable Market (TAM)
The TAM for financial services in Brazil is estimated to be in the hundreds of billions of dollars. Inter & Co. Inc. is well-positioned to capture a significant share of this market with its comprehensive digital platform.
Upturn SWOT Analysis
Strengths
- Comprehensive digital platform
- No-fee banking services
- Strong brand recognition in Brazil
- Growing customer base
- Integrated ecosystem
Weaknesses
- High reliance on the Brazilian market
- Relatively new player compared to traditional banks
- Profitability challenges despite revenue growth
- Potential credit risk from lending activities
- FX risk to its operations as the BRL may depreciate against the USD
Opportunities
- Expansion into new product lines and services
- Partnerships with other companies
- International expansion into new markets in Latam
- Increase in internet penetration in Brazil
- Organic Growth through increased platform adoption
Threats
- Increased competition from other fintech companies and traditional banks
- Changes in regulations
- Economic slowdown in Brazil
- Cybersecurity risks
- Interest rate hikes in Brazil
Competitors and Market Share
Key Competitors
- NU
- ITUB
- BBDC
Competitive Landscape
Inter & Co. Inc. faces intense competition from established traditional banks and other fintech companies. Its comprehensive platform and no-fee services differentiate it, but it needs to continue innovating to stay ahead.
Major Acquisitions
USEND
- Year: 2022
- Acquisition Price (USD millions): 0
- Strategic Rationale: Accelerates Inter's entry into the US market with focus on offering financial services to Brazilians living abroad.
Growth Trajectory and Initiatives
Historical Growth: Inter & Co. Inc. has experienced strong growth in its customer base and revenue in recent years, driven by the increasing adoption of digital banking in Brazil.
Future Projections: Analyst estimates suggest continued growth in revenue and customer base. The company's ability to achieve profitability is a key factor influencing future growth.
Recent Initiatives: Recent initiatives include expansion of its marketplace, introduction of new financial products, and strategic partnerships with other companies.
Summary
Inter & Co. is a growing fintech company leveraging digital banking in Brazil, showing strong revenue growth and expanding its customer base. However, profitability remains a challenge, and it faces intense competition. A comprehensive platform and no-fee services are strengths, while reliance on the Brazilian market poses a risk. Further strategic expansion and cost management are crucial for long-term success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Inter & Co. Inc. SEC Filings
- Industry Reports on the Brazilian Fintech Market
- Analyst Reports
- Company Website
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Inter & Co. Inc. Class A Common Shares
Exchange NASDAQ | Headquaters Belo Horizonte, MG, Brazil | ||
IPO Launch date 2022-06-23 | CEO of Inter Invest Mr. Felipe Bottino | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://inter.co |
Full time employees - | Website https://inter.co | ||
Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage, and inter shop businesses in Brazil and the United States. The company offers banking products and services, including checking accounts; cards; deposits; loans and advances; and other services, as well as debt collection; foreign exchange and financial services; and global account digital solution. It also provides acquisition, sale, and custody of securities; structures and distributes securities; and operates management of fund portfolios and other assets. In addition, the company offers insurance products including warranties, life, property, and automobile insurance; pension products; and consortium products. Further, it engages in the sale of goods and/or services through digital platform. Inter & Co, Inc. was founded in 1994 and is headquartered in Belo Horizonte, Brazil.
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